TRUTH-IN-SAVINGS DISCLOSURE

The rates, fees, and terms applicable to your account at the Credit Union are provided in this Truth-In-Savings Disclosure.

The Credit Union may offer other rates for these accounts from time to time.

RATE SCHEDULE

❑ Share Savings Accounts ❑ Checking Accounts
DIVIDENDS Dividend Rate/Annual Percentage Yield DIVIDENDS Dividend Rate/Annual Percentage Yield

Dividends Compounded Semi-Annually Dividends Compounded
Dividends Credited Semi-Annually Dividends Credited
Dividend Period Semi-Annually (calendar) Dividend Period
BALANCE REQUIREMENTS  BALANCE REQUIREMENTS
Minimum Opening Deposit $5.00 Minimum Opening Deposit
Minimum Balance to Avoid a Service Fee  Minimum Balance to Avoid a Service Fee
Minimum Balance to Earn the Stated APY $300.00 Minimum Balance to Earn the Stated APY
Balance Method Daily Balance Balance Method
ACCOUNT LIMITATIONS Account Transfer ACCOUNT LIMITATIONS
(See Section 6.) limitations apply. (See Section 6.)
  TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES
 Except as specifically described, the following 4. Accrual of Dividends. For all accounts, dividends will begin to accrue
  on noncash deposits (e.g. checks) on the business day you make the
 disclosures apply to all of the accounts. All accounts deposit to your account. If you close your account before accrued
 described in this Truth-In-Savings Disclosure are dividends are credited, you will not receive the accrued dividends.
share accounts.  5. Balance Information. To open any account, you must deposit or
  already have on deposit at least the par value of one full share in a
  Share Savings account. The par value amount is stated in the Fee
1. Rate Information. The Annual Percentage Yield is a percentage Schedule. Some accounts may have additional minimum opening deposit
 rate that reflects the total amount of dividends to be paid on an account requirements. The minimum balance requirements applicable to each
 based on the dividend rate and frequency of compounding for an annual account are stated in the Rate Schedule. For Share Savings accounts,
 period. For Share Savings accounts, the Dividend Rate and Annual there is a minimum Daily Balance required to earn the Annual Percentage
 Percentage Yield may change semi-annually as determined by the Credit 
 Union's Board of Directors. The Dividend Rates and Annual Percentage Yield disclosed for the dividend period. If the minimum daily balance is
 Yields are the rates and yield as of the last dividend declaration date, not met, you will not earn the Annual Percentage Yield stated in the
which is set forth in the Rate Schedule.  Rate Schedule. For accounts using the Daily Balance method as stated
  on the Rate Schedule, dividends are calculated by applying a periodic
 2. Nature of Dividends. Dividends are paid from current income and rate to the Daily Balance in the account for the dividend period.
 available earnings after required transfers to reserves at the end of the 
dividend period.  6. Account Limitations. For Share Savings accounts, no more than
  six (6) pre-authorized, automatic, or telephone transfers may be made
 3. Dividend Compounding and Crediting. The compounding and from each account to another account or to a third party in any month,
 crediting frequency of dividends and dividend period applicable to each and no more than three (3) of these six (6) transfers may be made by
 account are stated in the Rate Schedule. The Dividend Period is the check, draft, or debit card to a third party. If you exceed these limitations,
 period of time at the end of which an account earns dividend credit. The your account may be subject to a fee or be closed. For Checking
 Dividend Period begins on the first calendar day of the period and ends on
the last calendar day of the period  accounts, no account limitations apply.